If you add up the cost of tuition, room and board, books and travel expenses, there might be precious little left in your college budget for anything else. You are certainly not alone. Nobody said earning a college education is cheap, but there are ways to control your remaining funds so that they aren’t whittled down to nothing. Here’s how:

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You might think that identity thieves focus entirely on the wealthy, but the reality is that 34% of the victims of identity theft are college students. College students can be easy prey because they don’t know how to protect themselves against identity theft, because so many records and documents include personal information about them, and because of the phenomenal amount of junk mail offers…especially from credit card companies…they receive.

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College credit cards are the credit cards that have been specially designed for college students. College credit cards are more popularly known as student credit cards. College credit cards allow the students to experience the benefits of credit cards much earlier in their life. Through college credit cards, the college students are able to learn more about credit cards and their use. In fact, for most of the students, their college credit card is their first credit card that acts as a gateway to the world of credit cards. Some other students might have previously used supplementary credit cards linked to their fathers credit card account; however, for such students too, their college credit card is the first one that is truly theirs.

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In todays world, having a credit card is a luxury. Credit cards are a great convenience, meaning that you dont need to worry about cash when making a purchase. Although some credit cards have strict requirements, there are a lot of manufacturers that are giving both high school and college students the chance to get their own credit cards. Student credit cards can be used the same way as a traditional credit card, although they do come with certain restrictions and limitations that other credit cards dont normally have.

A lot of companies and banks that offer student credit cards will normally need a co-signer as a form of insurance or collateral. This person will sign on the loan with the student, and will (more…)

For most people, investing in mutual funds is pretty straight forward. You
have specific goals that need to be met. You and your partner are
approaching mutual fund investing with your eyes open and you’re both on
the same page. Granted, she may want that pretty cottage down by the lake
and you want that new speedboat, but both your goals involve water, and
that’s close enough for you. But what if you’re in a completely different
boat? What if you know you need to invest, but you have two equally
important goals pulling you two different ways? This is the case with
thousands of parents who see the need to save for retirement but also want
to save for the kids’ college education. How can you do both at the same
time? Here (more…)